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This information is a guide and should not be used as a substitute for professional legal advice.

Published: May 2022
Last updated: June 2024

Financial hardship

If you are a private renter experiencing financial hardship, our confidential and free financial counselling service may be able to help you. This page also links to useful help offered by other websites and services.

Free financial counselling service

Our confidential financial counselling service supports private renters in Victoria.

This free service includes assistance with any matter in relation to debt such as:

  • Rent arrears (overdue or outstanding rent) – current or previous properties
  • Utility debt in current or previous properties – electricity, gas, phone, water
  • Credit – such as loans, credit cards and consumer leases
  • Fines – at any stage
  • Complaints about your utility or credit provider

We can also assist with:

  • Analysing your current financial situation
  • Budgeting
  • Managing your debt
  • Referring you to other services that may be able to help you
  • Advice and information on credit and bankruptcy

If you would like to know more, contact us:

We are not funded to pay for rent arrears or other financial assistance. See the information in the next section for possible funding options for rent arrears, rent in advance, bonds and moving costs.

Other useful help

If you need information and assistance, these other websites, services and programs may be able to help you.

National Debt Helpline
No Interest Loans Scheme (NILS)
Centrelink Rent Assistance payments
Rent Assist bond loans
Utility relief grants
Housing Establishment Fund
Private Rental Assistance Program (PRAP)
Ask Izzy
Salvation Army
Red Cross Emergency Relief
Lifeline Australia
Saver Plus

Related page

Overdue rent

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